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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $153,784 | $161,352-4.7% | $134,172+14.6% | $137,256+12.0% |
| Participation rate | 100.0% | 78.3%+21.7pp | 72.5%+27.5pp | 80.0%+20.0pp |
| Annual return | 13.95% | 28.72%-14.8pp | 25.30%-11.4pp | 220.34%-206.4pp |
| Employer contribution / active EE | $8,715 | $4,099+112.6% | $3,420+154.8% | $4,156+109.7% |
| Participant deferral / active EE | $6,050 | $5,552+9.0% | $4,690+29.0% | $6,407-5.6% |
| Admin fee / account holder | $3,497 | $15,028-76.7% | $12,016-70.9% | $12,270-71.5% |